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Kellogg Community Credit Union

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Kellogg Community Credit Union Rates & Review November 2026

Q: What are the current interest rates at Kellogg Community Credit Union?

Current rates for Kellogg Community Credit Union include: 12-Month CD: 2.00%, 24-Month CD: 2.25%, 60-Month CD: 3.00%, Savings: 0.50%, MMA: 3.50%

Q: What CD terms does Kellogg Community Credit Union offer?

Kellogg Community Credit Union CD rates are 4.55% APY for a 5 month CD, 2.00% APY for a 12 month CD, 4.35% APY for a 14 month CD, 2.25% APY for a 2 year CD, 2.85% APY for a 3 year CD, 3.10% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Kellogg Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Kellogg Community Credit Union's CD Specials - 5 Month CD rates are at 4.55%, CD Specials - 14 Month CD rates are at 4.35%, 5 Year CD rates are at 3.25%, 4 Year CD rates are at 3.10%, 3 Year CD rates are at 2.85%. Kellogg Community Credit Union's savings rates are at 0.50%. Kellogg Community Credit Union's money market rates are at 3.50%. Kellogg Community Credit Union's checking rates are as high as 4.25%. Kellogg Community Credit Union's Fixed rate mortgage, 15 yr rates are at 6.75%, Fixed rate mortgage, 10 yr rates are at 6.62%, Fixed rate mortgage, 20 yr rates are at 7.00%, Fixed rate mortgage, 30 yr rates are at 7.12%. Kellogg Community Credit Union's Personal Loan Rates are as low as 10.99%. Kellogg Community Credit Union's Credit Card Rates are at 8.99%. Kellogg Community Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Kellogg Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.68%. Rates last updated and verified on 10/30/2026.

Kellogg Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kellogg Community Credit Union? Share your experience about Kellogg Community Credit Union by leaving a review below, or read customer reviews before you decide to use Kellogg Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.68%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Kellogg Community Credit Union
2nd Street

41 2nd St
Battle Creek, MI 49014-6286

https://www.kelloggccu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kellogg Community Credit Union CD Rates

Product	Rate	APY	Term
5 Month IRA Certificate	-	4.55%	5 Month
Min Deposit $50,000 Details IRA Certificate Specials; Limited time offer; rate based on 0.25% APY increase using 20,000 VIP Lifetime Reward Points, otherwise standard APY applies; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Certificate Specials - 5 Month Certificate	-	4.55%	5 months
Min Deposit $50,000 Details Limited time offer; Balance: $50,000.00 and over; Requires VIP Lifetime Reward Points (0.25% APY increase using 20,000 points); Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Month IRA Certificate	-	4.45%	5 Month
Min Deposit $500 Details IRA Certificate Specials; Limited time offer; rate based on 0.25% APY increase using 20,000 VIP Lifetime Reward Points, otherwise standard APY applies; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Certificate Specials - 5 Month Certificate	-	4.45%	5 months
Min Deposit $500 Details Limited time offer; Balance: $500.00 - $49,999.99; Requires VIP Lifetime Reward Points (0.25% APY increase using 20,000 points); Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
14 Month IRA Certificate	-	4.35%	14 Month
Min Deposit $50,000 Details IRA Certificate Specials; Limited time offer; rate based on 0.25% APY increase using 20,000 VIP Lifetime Reward Points, otherwise standard APY applies; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Certificate Specials - 14 Month Certificate	-	4.35%	14 months
Min Deposit $50,000 Details Limited time offer; Balance: $50,000.00 and over; Requires VIP Lifetime Reward Points (0.25% APY increase using 20,000 points); Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
14 Month IRA Certificate	-	4.25%	14 Month
Min Deposit $500 Details IRA Certificate Specials; Limited time offer; rate based on 0.25% APY increase using 20,000 VIP Lifetime Reward Points, otherwise standard APY applies; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Certificate Specials - 14 Month Certificate	-	4.25%	14 months
Min Deposit $500 Details Limited time offer; Balance: $500.00 - $49,999.99; Requires VIP Lifetime Reward Points (0.25% APY increase using 20,000 points); Membership required Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Child Certificate ages 0-5	-	4.00%
Min Balance $100 Details Ages: 0-5; Maximum Deposit: $5,000.00; Effective Date: Thursday, October 29th, 2026; Tier 2 APY on balances over $5,000.00 ranges from 1.33% to 4.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Teen Certificate ages 13-17	-	4.00%
Min Balance $100 Details Ages: 13-17; Maximum Deposit: $5,000.00; Effective Date: Thursday, October 29th, 2026; Tier 2 APY on balances over $5,000.00 ranges from 1.33% to 4.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Youth Certificate ages 6-12	-	4.00%
Min Balance $100 Details Ages: 6-12; Maximum Deposit: $5,000.00; Effective Date: Thursday, October 29th, 2026; Tier 2 APY on balances over $5,000.00 ranges from 1.33% to 4.00% Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year Certificate	-	3.25%	5 years
Min Deposit $50,000 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year IRA Certificate	-	3.25%	5 Years
Min Balance $50,000 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Oct 1, 20263.00%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year Certificate	-	3.10%	4 years
Min Deposit $50,000 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year IRA Certificate	-	3.10%	4 Years
Min Balance $50,000 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.10% → 3.10% ▼ 0.00 pts · high 3.10% / low 2.85% Oct 10, 20263.10%▲ from 2.85% Oct 1, 20262.85%▼ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year Certificate	-	3.00%	4 years
Min Deposit $500 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 Year IRA Certificate	-	3.00%	4 Years
Min Balance $500 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year Certificate	-	3.00%	5 years
Min Deposit $500 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5 Year IRA Certificate	-	3.00%	5 Years
Min Balance $500 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year Certificate	-	2.85%	3 years
Min Deposit $50,000 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year IRA Certificate	-	2.85%	3 Years
Min Balance $50,000 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year Certificate	-	2.75%	3 years
Min Deposit $500 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 Year IRA Certificate	-	2.75%	3 Years
Min Balance $500 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year Certificate	-	2.35%	2 years
Min Deposit $50,000 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year IRA Certificate	-	2.35%	2 Years
Min Balance $50,000 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.35% / low 2.10% Oct 10, 20262.35%▲ from 2.10% Oct 1, 20262.10%▼ from 2.35% Sep 14, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year Certificate	-	2.25%	2 years
Min Deposit $500 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
2 Year IRA Certificate	-	2.25%	2 Years
Min Balance $500 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year Certificate	-	2.10%	1 year
Min Deposit $50,000 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year IRA Certificate	-	2.10%	1 Year
Min Balance $50,000 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.10% → 2.10% ▼ 0.00 pts · high 2.10% / low 1.85% Oct 10, 20262.10%▲ from 1.85% Oct 1, 20261.85%▼ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year Certificate	-	2.00%	1 year
Min Deposit $500 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
1 Year IRA Certificate	-	2.00%	1 Year
Min Balance $500 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month Certificate	-	1.85%	6 months
Min Deposit $50,000 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month IRA Certificate	-	1.85%	6 Months
Min Balance $50,000 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month Certificate	-	1.75%	6 months
Min Deposit $500 Details APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 Month IRA Certificate	-	1.75%	6 Months
Min Balance $500 Details APY as high as; standard APY 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	-	0.50%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00 minimum tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Health Savings Account	-	0.35%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 minimum tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Health Savings Account	-	0.25%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000.00 minimum tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Christmas Club	-	0.10%
Min Deposit $0 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Regular Savings	-	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Secondary Savings	-	0.10%
Min Deposit $0 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Max	-	3.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	3.50%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	3.50%
Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	2.50%
Min Balance $250,000 Details Balance: $250,000.01 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	2.25%
Min Balance $200,000 Details Balance: $200,000.01 - $250,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	2.15%
Min Balance $100,000 Details Balance: $100,000.01 - $200,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	0.85%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	0.75%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Plus	-	0.70%
Min Balance $1,000 Details Balance: $1,000.00 - $10,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Max	-	0.10%
Min Balance $2,000,000 Details Balance: $2,000,000.00 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Max	-	2.75%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	2.75%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	2.75%
Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	1.00%
Min Balance $100,000 Details Balance: $100,000.01 and over Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	0.85%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	0.85%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market	-	0.50%
Min Balance $1,000 Details Balance: $1,000.00 - $25,000.00 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Money Market Max	-	0.10%
Min Balance $2,000,000 Details Balance: $2,000,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	-	4.25%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Checking	-	0.35%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.01 minimum tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Checking	-	0.30%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.01 minimum tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Money Market Checking	-	0.20%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.00 minimum tier Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Personal Checking	-	0.00%
Min Deposit $0 Min Balance $0 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	-	0.50%
Min Balance $100,000 Details Business Preferred Checking; Balance: $100,000.01 - $150,000.00 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Checking	-	0.50%
Min Balance $150,000 Details Business Preferred Checking; Balance: $150,000.01 - $200,000.00 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Checking	-	0.50%
Min Balance $200,000 Details Business Preferred Checking; Balance: $200,000.01 and over Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Checking	-	0.30%
Min Balance $50,000 Details Business Preferred Checking; Balance: $50,000.00 - $75,000.00 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Business Checking	-	0.30%
Min Balance $75,000 Details Business Preferred Checking; Balance: $75,000.01 - $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed rate mortgage, 15 yr	6.75%	-	7.068%	15 years
Details As Low As; Rate as low as 6.750%; Effective Date: Thursday, October 29th, 2026; Regular monthly payments based on 80% LTV, 20% down; APR = Annual Percentage Rate. Rates may vary based on term. Last Updated 10/30/2026 Rate History 2 changes since Oct 2, 2026 · 7.29% → 7.07% ▼ 0.22 pts · high 7.29% / low 7.07% Oct 26, 20267.07%▼ from 7.16%* Oct 19, 20267.16%▼ from 7.29% Oct 2, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Fixed rate mortgage, 10 yr	6.625%	-	7.07%	10 years
Details As Low As; Rate as low as 6.625%; Effective Date: Thursday, October 29th, 2026; Regular monthly payments based on 80% LTV, 20% down; APR = Annual Percentage Rate. Rates may vary based on term. Last Updated 10/30/2026 Rate History 2 changes since Oct 2, 2026 · 7.28% → 7.07% ▼ 0.21 pts · high 7.28% / low 7.07% Oct 26, 20267.07%▼ from 7.15%* Oct 19, 20267.15%▼ from 7.28% Oct 2, 20267.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Fixed rate mortgage, 20 yr	7.00%	-	7.257%	20 years
Details As Low As; Rate as low as 7.000%; Effective Date: Thursday, October 29th, 2026; Regular monthly payments based on 80% LTV, 20% down; APR = Annual Percentage Rate. Rates may vary based on term. Last Updated 10/30/2026 Rate History 2 changes since Oct 2, 2026 · 7.48% → 7.26% ▼ 0.23 pts · high 7.48% / low 7.26% Oct 26, 20267.26%▼ from 7.36%* Oct 19, 20267.36%▼ from 7.48% Oct 2, 20267.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Fixed rate mortgage, 30 yr	7.125%	-	7.324%	30 years
Details As Low As; Rate as low as 7.125%; Effective Date: Thursday, October 29th, 2026; Regular monthly payments based on 80% LTV, 20% down; APR = Annual Percentage Rate. Rates may vary based on term. Last Updated 10/30/2026 Rate History 2 changes since Oct 2, 2026 · 7.56% → 7.32% ▼ 0.23 pts · high 7.56% / low 7.32% Oct 26, 20267.32%▼ from 7.43%* Oct 19, 20267.43%▼ from 7.56% Oct 2, 20267.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
5 year fixed home equity	-	-	6.00%	5 year
Details As Low As; Best rate available to qualified borrowers under 80% LTV with minimum credit score of 730; Home Equity Rates effective Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
10 year fixed home equity	-	-	6.75%	10 year
Details As Low As; Best rate available to qualified borrowers under 80% LTV with minimum credit score of 730; Home Equity Rates effective Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Home Equity Line of Credit	-	-	6.75%
Details As Low As; Best rate available to qualified borrowers under 80% LTV with minimum credit score of 730; Home Equity Rates effective Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 2, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
15 year fixed home equity	-	-	7.00%	15 year
Details As Low As; Best rate available to qualified borrowers under 80% LTV with minimum credit score of 730; Home Equity Rates effective Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Motorcycle (2 model years and newer)	-	-	4.99%	up to 90 months
Details Term: Terms available up to 90 months; As Low As; Rate shown for up to 42 months; 0.25% APR discount requires 20,000 VIP Lifetime Reward Points; standard APR is 0.25% higher Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Newer Used Auto/Motorcycle (3-5 model years)	-	-	4.99%	up to 90 months
Details Term: Terms available up to 90 months; As Low As; Rate shown for up to 42 months; 0.25% APR discount requires 20,000 VIP Lifetime Reward Points; standard APR is 0.25% higher Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Auto/Motorcycle (6-7 model years)	-	-	5.24%	up to 78 months
Details Term: Terms available up to 78 months; As Low As; Rate shown for up to 42 months; 0.25% APR discount requires 20,000 VIP Lifetime Reward Points; standard APR is 0.25% higher Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Auto/Motorcycle (8-10 model years)	-	-	6.24%	up to 66 months
Details Term: Terms available up to 66 months; As Low As; Rate shown for up to 42 months; 0.25% APR discount requires 20,000 VIP Lifetime Reward Points; standard APR is 0.25% higher Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
New Rec Vehicle / Boat Loan	-	-	6.99%	Up to 42 months
Details As Low As; Rate applies up to 42 months; Model years: 2 and newer; Auto, Motorcycle, and Rec Vehicle Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Rec Vehicle / Boat (3-10 model years) Loan	-	-	6.99%	up to 180 months
Details Term: Terms available up to 180 months; As Low As; Rate shown for up to 42 months; 0.25% APR discount requires 20,000 VIP Lifetime Reward Points; standard APR is 0.25% higher Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Rec Vehicle / Boat Loan	-	-	6.99%	Up to 42 months
Details As Low As; Rate applies up to 42 months; Model years: 3-10; Auto, Motorcycle, and Rec Vehicle Rates; Effective Date: Thursday, October 29th, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Credit Card Rates

Product	Rate	APR
Edge Credit Card	-	8.99%
Details As Low As; Great low rate!; Visa Edge card has 8.99%-17.99% fixed APR when account is opened, based on creditworthiness Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Elite Credit Card	-	11.50%
Details As Low As; Great low rate!; Visa Elite card has 11.50%-23.50% variable APR when account is opened, based on creditworthiness, varies with the Prime Rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Oct 10, 202611.50%▲ from 11.25% Sep 14, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.99%	up to 60 months
Details Term: Terms available up to 60 months; As Low As; Rates may vary based on term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Kellogg Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Kasasa Saver Savings	-	-	1.75%
Min Deposit $0 Min Balance $0 Details See account details and dividend qualifications Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Roth IRA	-	-	0.60%
Min Balance $5 Details APY as high as; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Save to Win	-	-	2.00%
Min Deposit $0 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Traditional IRA	-	-	0.60%
Min Balance $5 Details APY as high as; Membership Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kellogg Community Credit Union’s Texas Ratio fell from 4.21% in Q3 2023 to 1.68% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	1.68%	5.0	A+
March 31, 2026	$1.0B	2.12%	5.0	A+
December 31, 2025	$962M	2.92%	5.0	A+
September 30, 2025	$925M	2.09%	5.0	A+
June 30, 2025	$928M	2.48%	5.0	A+
March 31, 2025	$933M	2.19%	5.0	A+
December 31, 2024	$908M	3.50%	5.0	A+
September 30, 2024	$894M	2.47%	5.0	A+
June 30, 2024	$893M	1.68%	5.0	A+
March 31, 2024	$896M	1.54%	5.0	A+
December 31, 2023	$857M	3.20%	5.0	A+
September 30, 2023	$839M	4.21%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kellogg Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kellogg Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kellogg Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kellogg Community Credit Union

Website https://www.kelloggccu.org

Address 41 2nd St, Battle Creek, MI 49014-6286

Phone 269-968-9251

Fax 269-966-0648

President Henry Pat Rolfe

CEO Tracy Miller

Full-Time Employees 154

Part-Time Employees 3

Branch Locations 14

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.68%

Return on Assets (ROA)

0.7196%

Return on Equity (ROE)

4.3029%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

1,020,238,170

Total Amount of Shares and Deposits

846,760,270

Total Shares and Deposits < 1 Year

828,423,966

Total Shares and Deposits 1 3 Years

10,635,621

Total Shares and Deposits > 3 Years

7,700,682

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

97,673,815

Total Uninsured Shares and Deposits > $250K (F+J)

97,673,815

Total Insured Shares and Deposits > $250K (item 17 less item K)

749,086,455

Total Interest Expense (Sum of items 6 8)

8,843,304

Share Certificates

6,036

Number of Accounts for Share Drafts

30,649

IRA KEOGH Accounts

1,244

Number of Accounts for Regular Shares

66,104

All other shares

2,450

Money Market Shares

7,226

Net Income (unless the amount is already included in Undivided Earnings)

7,341,823

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

135,937,354

Total Liabilities

855,879,811

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Kellogg Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Kellogg Community Credit Union

Does Kellogg Community Credit Union offer CDs?

Yes. Kellogg Community Credit Union current CD rates include its CD Specials - 5 Month CD at 4.55% APY, its CD Specials - 14 Month CD at 4.35% APY and its 5 Year CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Kellogg Community Credit Union NCUA insured?

Yes. Kellogg Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Kellogg Community Credit Union?

The highest Kellogg Community Credit Union CD rate is its 5 Month IRA CD at 4.55% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Kellogg Community Credit Union offer?

Kellogg Community Credit Union CD rates are 4.55% APY for a 5 month CD, 2.00% APY for a 12 month CD, 4.35% APY for a 14 month CD, 2.25% APY for a 2 year CD, 2.85% APY for a 3 year CD, 3.10% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Kellogg Community Credit Union for its full lineup.

What is the highest savings rate at Kellogg Community Credit Union?

The highest Kellogg Community Credit Union savings rate is its Health Savings Account at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Kellogg Community Credit Union?

The highest Kellogg Community Credit Union money market rate is its Money Market Max at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Kellogg Community Credit Union?

The highest Kellogg Community Credit Union checking rate is its Kasasa Cash Checking at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Kellogg Community Credit Union?

The lowest Kellogg Community Credit Union 30 year fixed mortgage rate is its Fixed rate mortgage, 30 yr at 7.125%, verified by MonitorBankRates as of October 30, 2026. Kellogg Community Credit Union mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.625% for a 10 year mortgage.

What is the lowest auto loan rate at Kellogg Community Credit Union?

The lowest Kellogg Community Credit Union auto loan rate is its New Auto/Motorcycle (2 model years and newer) at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Kellogg Community Credit Union?

The lowest Kellogg Community Credit Union personal loan rate is its Signature Loans at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Kellogg Community Credit Union?

The lowest Kellogg Community Credit Union credit card APR is its Edge Credit Card at 8.99% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Kellogg Community Credit Union operate?

Kellogg Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kellogg Community Credit Union?

Yes, to access services at Kellogg Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kellogg Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kellogg Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kellogg Community Credit Union offer online and mobile banking?

Most modern institutions like Kellogg Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kelloggccu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Kellogg Community Credit Union rates compare?

Kellogg Community Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. Kellogg Community Credit Union's top rates are its 5 Month IRA CD at 4.55% APY, its Health Savings Account at 0.50% APY, its Money Market Max at 3.50% APY, its Kasasa Cash Checking at 4.25% APY, its Fixed rate mortgage, 10 yr at 6.625%, its Signature Loans at 10.99% APR and its Edge Credit Card at 8.99% APR, verified by MonitorBankRates on October 30, 2026.

Current Kellogg Community Credit Union Rates

12-Month CD2.00%
24-Month CD2.25%
60-Month CD3.00%
Savings0.50%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Kellogg Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Kellogg Community Credit Union Texas Ratio

Kellogg Community Credit Union Health Trend

Kellogg Community Credit Union CD Rates

Kellogg Community Credit Union Savings Rates

Kellogg Community Credit Union Money Market Rates

Kellogg Community Credit Union Business Money Market Rates

Kellogg Community Credit Union Checking Rates

Kellogg Community Credit Union Business Checking Rates

Kellogg Community Credit Union Mortgage Rates

Kellogg Community Credit Union Home Equity & HELOC

Kellogg Community Credit Union Auto Loan Rates

Kellogg Community Credit Union Credit Card Rates

Kellogg Community Credit Union Personal Loan Rates

Kellogg Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kellogg Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Kellogg Community Credit Union

Does Kellogg Community Credit Union offer CDs?

Are CDs from Kellogg Community Credit Union NCUA insured?

What is the highest CD rate at Kellogg Community Credit Union?

What CD terms does Kellogg Community Credit Union offer?

What is the highest savings rate at Kellogg Community Credit Union?

What is the highest money market rate at Kellogg Community Credit Union?

What is the highest checking rate at Kellogg Community Credit Union?

What is the lowest 30 year fixed mortgage rate at Kellogg Community Credit Union?

What is the lowest auto loan rate at Kellogg Community Credit Union?

What is the lowest personal loan rate at Kellogg Community Credit Union?

What is the lowest credit card APR at Kellogg Community Credit Union?

How many branches does Kellogg Community Credit Union operate?

Is a member application needed to join Kellogg Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kellogg Community Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Kellogg Community Credit Union rates compare?

Current Kellogg Community Credit Union Rates

Compare to Other Credit Unions